Save Hundreds on Your
Auto Insurance!

Get a Free Quote - No Obligation

Things to Know About Automobile Insurance

Carrying automobile insurance of one form or another is the law in most states throughout the United States.  But there are some things that you might not know about basic automobile insurance.

Personal items are not covered.  Expensive items (like computer equipment, music CD's or even DVD's will require a rider to the homeowner's insurance to be covered. 

Coverage can be stacked.  If you have more than one insurance policy (like health insurance or multiple cars) then the coverage can be stacked together to cover the full costs of the accident.  You will need to check the policy before you purchase it to see if stacking is available.

Making a claim does NOT necessarily increase your car insurance rates.  There are many factors that companies consider when it comes to raising rates.  If you know that the claim will be a substantial amount over the deductible (or if there is no deductible) then you should file the claim.  After all, getting your accident paid for is precisely why you purchased insurance coverage in the first place.

The less you drive then the more you save.  Usage coverage discounts are based on the idea that if you are on the road more then you are statistically less likely to get into a wreck.  Check with your insurance company to see what the usage rates are for your policy.

Paying the premium in full will save you money.  The less often insurance companies have to send out bills then the less it will cost them.  Having automatic drafts for your premium payments or paying your premiums in full could save you several dollars each month on each of your insurance policies.

Most states require you to purchase automobile insurance if you are going to be driving a car.  Understanding some of the basics of automobile insurance policies will help you get the coverage that you need at the price you can afford.